Latest action: Forwarded by Subcommittee to Full Committee by Voice Vote.
Bill is filed in its originating chamber and assigned a number.
Sponsor
August Pfluger (R-TX)
Filed in the House.
Next: In Committee
Members of the committee(s) the bill was referred to
Requires insurance companies to show customers what they pay for premiums clearly.
The problem
Insurance customers often don't understand what they're paying for or why premiums cost what they do. Companies may not explain costs clearly enough.
The proposal
The bill requires insurance companies to provide transparent, detailed breakdowns of premium costs to customers in plain language.
The impact
Insurance customers gain clearer cost information. Insurance companies must change reporting practices. Regulators oversee new transparency requirements.
People buying insurance can see exactly what they're paying for and why. This helps them make better choices about which insurance to buy. They can compare plans more easily.
Clear breakdowns make it harder for companies to hide charges in confusing language. Customers can spot unexpected costs upfront. This protects people from surprise expenses.
When customers understand prices, they shop around more. Companies compete harder on price and service. This can lead to better deals for consumers.
Clear transparency rules help government agencies monitor insurance practices. It's simpler to catch unfair pricing or misleading information. Regulators can enforce rules more effectively.
Insurance companies must redesign systems to report information in new ways. This requires new software, training, and staff time. These costs may be passed to customers through higher premiums.
Too much detailed information might confuse customers instead of helping them. Some people won't understand complex insurance breakdowns even with plain language. This defeats the transparency purpose.
Large companies can afford expensive system changes. Small insurance companies may struggle with costs of compliance. This could reduce competition and hurt small business.
Insurance companies need time to change their systems and processes. There may be delays before customers see benefits. The transition period could create confusion and errors.
Generated by AI from the bill text. Not a prediction and not legal or policy advice. The percentage is the model's own rating of each item — self-reported, and not a measure of how accurate it is.
Loading map…
Loading...
0 citizens have already voted
Free · No spam · See how your representatives voted
Be the first to weigh in
Your vote starts the conversation
How citizen engagement works
Citizens vote & comment
Public opinion data is aggregated and updated in real time.
Patterns become visible
Representatives can see constituent sentiment broken down by district.
Your voice on the record
Contact your rep directly — one constituent call can shift a staffer's priority list.
Research shows that constituent contacts — especially calls — are among the most effective ways to influence a legislator's position on active bills.
Individual contributions, grouped by employer · FEC
Where their individual donors work · 2026 cycle
Money from people who work there, not from the company. Not tied to this bill.
Itemized individual contributions via FEC, grouped by the employer each contributor self-reported. Companies and unions cannot contribute to federal candidates from their treasuries, so these totals are money from people who work at an employer — never from the organization itself. They are campaign contributions covering a full election cycle and are not connected to this bill.
Senate LDA lobbying disclosures
Couldn't load lobbying disclosures right now.